| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH & BENEFITS, INC. | 8445 KEYSTONE CROSSING INDIANAPOLIS, IN 46240 | DELTA DENTAL OF INDIANA | $12K | — | $12K | 0.91% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $72K | $17K | $88K | 17.07% |
| RONALD M KLEIMAN3 Filed as: RONALD M KLEINMAN | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $50K | — | $50K | 12.34% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH & BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $11K | $20K | 5.01% |
| INNOTECH3 | 233 SOUTH WACKER SUITE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 1.57% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.55% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING BLVD SUITE 200 INDIANAPOLIS, IN 46240 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 2.00% |
| RONALD M KLEIMAN3 | 4522 RFD LONG GROVE, IL 60047 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $55K | — | $55K | 24.60% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER HEALTH & BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $11K | $25K | 11.35% |
| INNOTECH3 | 233 SOUTH WACKER SUITE 1875 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | — | $13K | 5.90% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.01% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $5K | $22K | 12.39% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $6K | $28K | 18.49% |
| CONNER HEALTH AND BENEFITS INC.3 Filed as: CONNER BENEFITS INC. | 8445 KEYSTONE CROSSING SUITE 200 INDIANAPOLIS, IN 46240 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $5K | $16K | 13.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 NONE | Claims processing Service code 12 | — | $1.1M |
| AMERICAN SENIOR COMMUNITIES, L.L.C. EIN 35-2077389 EMPLOYER | Other fees Service code 99 | — | $664K |
| CONNER BENEFITS EIN 35-1673008 NONE | Other commissions Service code 55 | — | $0 |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 3,918 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,942 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 6,601 | $1.4M |
| Vision | HM LIFE INSURANCE COMPANY | 6,147 | $263K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 6,565 | $272K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,406 | $518K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 418 | $177K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 4,034 | $2.3M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,311 | $777K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,601 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.